That young fellow is probably in much deeper trouble than he realizes. The county will have first say as to how the bridge is repaired, and if there's a possibility of insurance money, they'll go long in hopes of getting a first-class bridge for free.
Meanwhile, it seems improbable that a guy who goes to the casino for dinner carries much in the way of insurance. Probably only what his lenders insist on, if any. Of course, if he is insured, his insurer may still come after the young man for damages, depending on their business relationship. It doesn't sound like he was an employee of the BTO, and even if they had a formal partnership the insurance company won't want to cover damages if the partnership or the young man aren't named on the policy. If there was no formal partnership between the BTO and the young man, then he was merely renting or borrowing the equipment and is now on the hook for damages to the bridge and cart.
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Today's Featured Article - Farming Never Left My Blood - by Stan Gordon. I was born in 1947 youngest of ten of a working farm. Our farm was located in Saskatchewan near Saskatoon. We had a mixed farm consisting of grain and dairy all done with old machinery and by hand. My dad had a tractor, a Farmall A which was used mostly to run the thrashing machine, a seed drill and for plowing. I remember locals used to help each other and threshing was done from daylight to after dark, one farm to another until all farms were done.
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